動画No.140
【チャンネル登録はコチラからお願いします☆】

☆初の著書『日本一わかりやすい ひとり社長の節税 〜税理士YouTuberが“本音”で教える〜 』絶賛発売中！

☆オンラインサロン『～お金とYouTubeの学校～　税理士YouTuberサロン！！』はコチラ

※月額3,980円で税金や起業、副業YouTube等について最新情報が得られます。月一のオンラインセミナー等も開催。

☆有料メルマガ『ヒロ税理士のYouTubeでは喋れないお金と税金とYouTubeの話！』はコチラ

※月額550円。登録した最初の月は無料！ぜひお気軽にお試しください！

〇税理士YouTuber公式Twitter（おトクな税金情報、経営に関する豆知識等）⇒　

今回はまだあまり知られていない企業型401Ｋのご紹介です。いわゆるiDecoの法人版になります。SBIグループさんの商品を取り上げてみました。

資産運用と節税を兼ねての活用が可能であり、もちろん社長さんも活用出来ます。

生命保険の節税が難しくなった現状、最後の節税策かもしれませんね。

メリット、デメリットを中心に解説しますので是非ご参考下さい！

（コンテンツ）
00:38 ダイレクト401Kプラン＝企業型の確定拠出年金！
2:47 iDecoとの違いは？
5:35 役員一人でも加入可能！企業型401Kの特徴とは？
8:01 拠出時・運用時・解約受給時にこんなに税制優遇がある！
11:00 税効果シミュレーションをしてみよう！
12:53 手数料がかかる！401Kのデメリットとは？
15:40 運用商品ラインナップ

【コチラも是非ご参考下さい】
〇【悲報速報】生命保険を活用した節税・全損タイプも半損タイプも廃止か！？

〇税理士自らも実践！定番のオススメ節税策とは？【起業して会社経営して節税を考える！】

〇仮想通貨の損とFXの利益は通算出来るのか？【確定申告と損益通算のお話！】

#税理士　#法人の税金　#企業型確定拠出年金…(read more)

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Article: Do you know about 401(k) – The Ultimate Tax-saving Strategy, Besides iDeco?

In recent years, Japan has seen a surge in popularity for iDeCo, an individual defined contribution pension plan, which allows individuals to save for retirement while enjoying tax benefits. However, there is another tax-saving strategy that many people are unaware of – the corporate defined contribution pension plan, commonly known as 401(k).

401(k) is a retirement savings plan offered by employers in the United States, where employees can contribute a portion of their salary on a pre-tax basis. Similar to iDeCo, 401(k) allows individuals to invest and grow their retirement savings while benefiting from tax advantages. Although it is an American concept, a growing number of international companies in Japan have started to offer 401(k) plans to their employees.

One of the key advantages of a 401(k) plan is the tax benefits it provides. Contributions made by employees to their plan are deducted from their taxable income, resulting in a lower overall tax liability. This means that individuals can save more money for retirement while reducing their tax burden. Additionally, the earnings generated within the 401(k) account are tax-deferred until withdrawn, allowing for potential substantial growth over time.

Another significant benefit of 401(k) is employer matching contributions. Many employers offer to match a certain percentage of their employees’ contributions, effectively providing free money. This employer match is essentially an added bonus on top of an individual’s own savings, helping to accelerate retirement savings even further.

Moreover, 401(k) plans offer flexibility and portability. If an employee changes jobs, they have different options for their 401(k) account. They can leave the funds in the previous employer’s plan, roll it over into a new employer’s plan, transfer the funds into an Individual retirement account (IRA), or even cash it out, though cashing out would result in taxes and potential penalties.

However, it is important to note that 401(k) plans also have certain limitations. The maximum annual contribution limit is set by the US government and is subject to change. Additionally, there are penalties for early withdrawals before reaching the retirement age of 59.5 years. It is crucial to understand the rules and regulations surrounding 401(k) in order to maximize its benefits.

In conclusion, while iDeCo has gained significant popularity in Japan, many individuals are unaware of the potential benefits of 401(k). The corporate defined contribution pension plan offers tax advantages, employer matching contributions, flexibility, and portability. It is a viable tax-saving strategy that can complement existing retirement plans, providing individuals with an additional tool to secure their financial future. As always, it is recommended to consult with a financial advisor to determine the best retirement savings strategy based on individual circumstances and goals.